In the current long term low interest rate environment, new investors are being attracted by headline interest rates, however it’s important to dig deeper to fully understand the detail underneath the headline rates.

In 2014 Landbay launched with the idea of anchoring peer‐to‐peer lending to a consistently performing, robust asset class – residential property. Our platform brings our investors and borrowers closer together so that everyone can prosper from the British property market.

Traditional banks are under pressure from all angles, with competitors springing up in the form of new “challenger” banks and peer-to-peer (P2P) lenders, online payment services, FX providers and even robo-advisors.

Today’s young people are told that they should be putting around 15% of their salary into a pension. But when the current average salary for Millennials aged 20 to 24-years-old is £16,400, according to HM Revenue & Customs, is there enough left to put into personal savings too?

Recently, fintech developments like peer-to-peer (P2P) lending are shaking up traditional finance sectors and it’s only a matter of time before technology driven disruption spreads to markets like housing, where demand already outstrips supply.

It is estimated that around 78% of UK small and medium sized enterprises (SMEs) have their main banking relationship with the four largest retail banks. The fintech industry is attempting to challenge this.